| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 17.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 5.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 17.00% |
| RWI BENEFITS LLC3 | PO BOX 2427 JOPLIN, MO 64803 | AFLAC | $3K | — | $3K | 11.82% |
| JULIA HADORN3 Filed as: JULIA R HADORN | 10778 S CARBONDALE ST OLATHE, KS 66061 | AFLAC | $606 | — | $606 | 2.06% |
| ARICCA WALLACE3 | 5100 CANYON RD MANHATTAN, KS 66503 | AFLAC | $170 | — | $170 | 0.58% |
| BRIAN MILLS3 | 1402 W LUCY WEBB RD RAYMORE, MO 64083 | AFLAC | $85 | — | $85 | 0.29% |
| NATHAN L HARRISON3 | 2 CITYPLACE DR STE 30 CREVE COEUR, MO 63141 | AFLAC | $70 | — | $70 | 0.24% |
| J SCOTT DAY3 | 2525 NW TOPEKA BLVD TOPEKA, KS 66617 | AFLAC | $56 | — | $56 | 0.19% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LN HAYS, KS 67601 | AFLAC | $14 | — | $14 | 0.05% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $9 | — | $9 | 0.03% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $7 | — | $7 | 0.02% |
| JONI S WOBORNY BUNKER3 | 1837 VIRGINIA DR MANHATTAN, KS 66502 | AFLAC | $6 | — | $6 | 0.02% |
| CHRISTOPHER THOMAS HIPP3 | 1601 MEADOW LN HAYS, KS 67601 | AFLAC | $1 | — | $1 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $372 | $3K | 17.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 7 | $29K |
| Dental | AFLAC | 7 | $29K |
| Vision | AFLAC | 7 | $29K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $19K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 701 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.